Important Information**
All Community Bank accounts have a minimum of $50.00 to open the account, unless stated otherwise. Service charges are subject to Iowa sales tax or local tax, where
applicable(*). ATM and debit card charges may apply.  Please review our fee schedule for more information.

Interest rates vary with the market and are subject to change at any time. At our discretion, we may change the interest rate on your account. We use the daily balance method to calculate the interest on all interest bearing accounts. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

CHECKING ACCOUNTS

Freedom Checking
Minimum of $50.00 to open this account.  No minimum balance required to avoid imposition of fees. There are no monthly maintenance charges, check or debit charges.  No interest is earned. You will receive a monthly statement. Canceled checks will not be returned to the customer. A $5.00 per check fee will be charged for photocopies of canceled checks.  Check order fees apply. Duplicate checks are required.  See separate Electronic Fund Transfer disclosure for more information.

Student Checking
Minimum of $50.00 to open this account.  No minimum balance required to avoid imposition of fees.  There are no monthly maintenance charges, check or debit charges.  No interest is earned.  You will receive a monthly statement.   Check order fees apply.  See separate Electronic Fund Transfers disclosure for more information.

Classic Checking
Minimum of $50.00 to open this account.  A maintenance fee of $3.00* will be imposed every statement cycle if the average daily balance for the statement cycle falls below $300.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. A chargeable debit fee of $.25* will be charged for each debit transaction (withdrawal, check paid, automatic transfer, internet transfer, ATM/Debit Card withdrawal or payment out of this account, excluding point of sale purchases) in excess of 15 during a statement cycle. This fee will apply if the average daily balance falls below $300.00 during the statement cycle.  See separate Electronic Fund Transfers disclosure for more information.

Over 60 Checking
Minimum of $50.00 to open this account.  No minimum balance required to avoid imposition of fees.  If you are 60 years of age or more, there are no monthly charges on your checking account.  See separate Electronic Fund Transfers disclosure for more information.

Business Checking
Minimum of $50.00 to open this account.  No minimum balance required to avoid imposition of fees. Monthly maintenance fee of $2.00* and a 15¢* per debit transaction (withdrawal, check paid, automatic transfer, internet transfer, ATM/Debit Card withdrawal or payment out of this account, excluding point of sale purchases) fee will be imposed each statement cycle.  There is a 6¢* transit checks deposited fee for items deposited, not drawn on:

• Community Bank of Muscatine, Columbus Junction or Wilton
• Columbus Jct. State Bank
• First National Bank of Muscatine
• Central State Bank of Muscatine

A credit back allowance is applied against the maintenance and transit fees based on our NOW account rates.  This rate is subject to change at any time.  This credit will reduce or offset fees on the periodic statement.  You may call the bank to obtain the current rate and annual percentage yield (APY).  The credit back allowance is calculated by the average balance (listed on the periodic statement) times the number of days in the cycle (listed on the periodic statement) divided by 365 (days).  This figure is multiplied by the credit back rate of (NOW rate) with an APY of (NOW APY).  See separate Electronic Fund Transfers disclosure for more information.

NOW Account
Minimum deposit to open account $1,000.00.  A maintenance fee of $7.50* will be imposed each statement cycle, if the average daily balance for the statement cycle falls below $1,000.00.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  Your interest rate and annual percentage yield may change, and at our discretion we may change the interest rate on your account at any time.  Interest will be compounded every month.  Interest will be credited to your account every month.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks).  See separate Electronic Fund Transfers disclosure for more information.

Insured Money Market Account (IMMA)
Minimum deposit of $1,000.00 to open an IMMA account.  A maintenance fee of $7.00* will be imposed each statement cycle, if the balance in the account falls below $1,000.00 any day of the cycle.  Your interest rate and annual percentage yield may change, and at our discretion we may change the interest rate on your account at any time.  Interest will be compounded every month.  Interest will be credited to your account every month.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks).  Transaction Limitations:  No more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle (or similar period) of at least four weeks, to another account (including a transaction account) of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by the depositor and payable to third parties.  A chargeable debit fee of $1.00* will be imposed for each debit transaction (withdrawal, check paid, automatic transfer, internet transfer, ATM/Debit Card withdrawal or payment out of this account, excluding point of sale purchases) in excess of six debit transactions during a statement cycle.  ATM/Debit Card withdrawals made at ATM's owned or operated by Community Bank are excluded from the chargeable debit fee.  See separate Electronic Fund Transfers disclosure for more information.

Hi-Fi Investment Money Market Accounts
Minimum deposit of $1,000.00 to open a Hi-Fi Investment Money Market Account.  There are no maintenance fee's on this account.  Your interest rate and annual percentage yield may change, and at our discretion we may change the interest rate on your account at any time.  Interest will be compounded every month.  Interest will be credited to your account at the end of every statement month.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks).  Transaction Limitations:  No more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle (or similar period) of at least four weeks, to another account (including a transaction account) of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by the depositor and payable to third parties.  A chargeable debit fee of $1.00* will be imposed for each debit transaction (withdrawal, check paid, automatic transfer, internet transfer, ATM/Debit Card withdrawal or payment out of this account, excluding point of sale purchases).  ATM/Debit Card withdrawals made at ATM's owned or operated by Community Bank are excluded from the chargeable debit fee.  See separate Electronic Fund Transfers disclosure for more information.  If your daily balance is $1,000.00 or more, the interest rate paid on the entire balance in your account will be (the current Hi-Fi Investment interest rate) with an annual percentage yield of (the current Hi-Fi Investment APY).  If your daily balance is $999.99 or less, the interest rate paid on the entire balance in your account will be (the current savings interest rate) with an annual percentage yield of (the current savings APY).

SAVINGS ACCOUNTS

Regular Savings
Minimum of $50.00 to open this account.  A service charge fee of $1.25* will be imposed every month if the balance in the account falls below $50.00 any day of the month. You must maintain a minimum balance of $50.00 in the account each day to obtain the disclosed annual percentage yield. A chargeable debit fee of 50¢* will be charged for each debit (withdrawal, automatic, telephone or internet transfer, ATM/Debit Card withdrawal or payment out of this account, excluding point-of-sale purchases) in excess of four during a month, if the daily balance falls below $400.00.  ATM/Debit Card withdrawals made at ATM's owned or operated by Community Bank are excluded from the chargeable debit fee.  Transaction Limitations:  No more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle (or similar period) of at least four weeks, to another account (including a transaction account) of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by the depositor and payable to third parties.  Your interest rate and annual percentage yield may change, and at our discretion we may change the interest rate on your account at any time.  Interest will be compounded every month.  Interest will be credited to your account every month.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks).  See separate Electronic Fund Transfers disclosure for more information.

Young Savers Club
You must be under the age of 18 to have a Young Savers Club account.  No minimum deposit or balance requirements to avoid imposition of fees.  There are no maintenance or service charge fees for withdrawals or transfers from this account.  You must maintain a minimum balance of $50.00 in the account each day to obtain the disclosed annual percentage yield.  Your interest rate and annual percentage yield may change, and at our discretion we may change the interest rate on your account at any time.  Interest will be compounded every month.  Interest will be credited to your account every month.  Transaction Limitations:  No more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle (or similar period) of at least four weeks, to another account (including a transaction account) of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by the depositor and payable to third parties.

Christmas Savings
No minimum deposit or balance required to avoid imposition of fees.  If any withdrawal is made from this account before the end of the statement cycle, this account may be closed.  Your interest rate and annual percentage yield may change, and at our discretion we may change the interest rate on your account at any time.  Interest will be compounded and credited to your account every statement cycle.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Christmas Club
Account may be opened November 1 through January.  Minimum deposit to open account $5.00.  Weekly contributions of varying increments of $5.00.  You choose the amount of the deposit, within any limits we may set.  No withdrawals can be made from this account before the end of the club's statement cycle, or this account may be closed.  If you make 49 consecutive and timely deposits of the same amount to this account, the Bank will make the 50th deposit of that amount.  The account matures mid-October.  Checks are mailed by November 1st.

Vacation Club Savings
No minimum deposit or balance required to avoid imposition of fees.  If any withdrawal is made from this account before the club's end, this account may be closed.  Your interest rate and annual percentage yield may change, and at our discretion we may change the interest rate on your account at any time.  Interest will be compounded and credited to your account every statement cycle.  We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

OTHER DEPOSIT ACCOUNTS

Certificates of Deposit
Minimum of $500.00 to open account. Interest may be compounded, deposited automatically to a checking or savings account, or mailed to the account holder by check. Please refer to our rate section to find the current interest rates, annual percentage yields, early withdrawal penalties and other important information.

Individual Retirement Accounts (IRA)
A full range of flexible investments from which to choose. Subject to IRA regulations and guidelines. IRA termination fee $25.00*.  Please refer to our rate section to find the current interest rates, annual percentage yields, minimum deposits to open and other important information.